Resolve
Non-recourse B2B net terms: Resolve advances up to 90% of invoices (100% online) in 1 to 2 business days for about 3.5% on Net 30. Best for wholesalers and distributors.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: U.S. manufacturers, distributors and wholesalers that want to offer business buyers Net 30 to Net 90 terms without carrying the credit risk or waiting to be paid.
Not for: Sellers to consumers, sellers whose buyers are under six months old or below $60K in sales, or anyone who needs a general cash loan. Resolve funds invoices only.
Lender List verdict: Resolve runs your net terms program: buyer credit checks, advances of up to 90% (100% on online orders) and collections. The cost is real: 3.5% on a Net 30 invoice, or 6% to be paid on day one of Net 60, is roughly 39% to 44% a year on the cash you get early.
Resolve at a glance
Resolve (Resolve Pay) buys B2B invoices for a seller fee of about 3.5% to 6% per invoice and gives buyers Net 15 to Net 90 terms.
| Resolve | |
|---|---|
| Lender type | Non-recourse B2B net terms provider; buys invoices (not a loan) |
| Founded | 2019 (spun out of Affirm) |
| HQ | San Francisco, CA |
| Parent/owner | Resolve Corp., venture-backed |
| Products | Net terms with Advance Pay, buyer credit checks, AR and collections |
| Amounts | Buyer limits set per customer; instant checkout approvals up to $25,000 |
| Cost (headline) | 3.5% on Net 30; 6% for Net 60 paid on day one; no buyer interest if on time |
| Term | Net 15 to Net 90, plus custom terms |
| Funding speed | 1 to 2 business days; same-day optional |
| Status | Active (2026-10-26) |
What is Resolve?
Resolve is a San Francisco company, founded in 2019 as an Affirm spinout, that lets B2B sellers extend trade credit while it handles underwriting, invoicing and collections. It raised $60 million in 2021, then $25 million led by Insight Partners, and buys the receivables itself rather than through a partner bank. Resolve says 15,000+ businesses use it; in October 2026 it added pay-later terms to Global Payments' PayFabric.
How Resolve net terms work
Resolve pays the seller up front, and the buyer pays Resolve on the due date.
- You add a customer; Resolve sets its limit and advance rate (50% to 90% to start).
- You send the invoice through Resolve; the goods or service must be delivered within 14 days of that date.
- Resolve advances its share, minus its fee, in 1 to 2 business days.
- The buyer pays Resolve by ACH, card, wire or check through a portal carrying your name.
- Once Resolve recovers its advance, it forwards the rest to you.
- Risk: On approved, qualifying invoices you keep the advance if the buyer never pays.
- Exceptions: Disputed, past-due, pledged or late-delivered invoices can have the advance reclaimed.
- Lien: A UCC-1 covers only the invoices you sell to Resolve.
What your buyers get with Resolve
Resolve gives approved business buyers Net 15 to Net 90 terms with no interest if they pay on time. Checkout orders up to $25,000 can be approved instantly.
- Late fees: 3.5% of the balance plus $29 at 30, 60 and 90 days past due.
- Amazon Business: buyers can pay with a Resolve virtual card on 30-day terms.
Resolve fees: what sellers and buyers pay
Resolve charges sellers 3.5% of the advanced amount on a Net 30 invoice, and 6% to have Net 60 paid on day one. The rate locks when the invoice goes out and falls with a later payout date. Resolve has also quoted 2.61% on Net 30 at a 90% advance, and Billed reports 3.15%; plans are custom, and Net 90 and same-day payout pricing are quoted on request.
Worked example: a $10,000 order on Net 30 at a 100% advance and 3.5%. Resolve keeps $350, you receive $9,650 within two business days, and your buyer pays $10,000 on day 30. As financing, that is about 44% annualized, assuming funds on day one. At a 90% advance you get $8,685 now and $1,000 when the buyer pays. Net 60 paid on day one costs $600 (about 39% annualized). The fee also buys default cover and collections, so it is not pure interest.
Resolve requirements
Resolve sets no published seller minimums; buyers need $60K in sales, six months in business and a 620 owner score.
| Requirement | Resolve minimum |
|---|---|
| Personal credit score | Buyers: owner 620+; sellers: not published |
| Time in business | Buyers: 6 months; sellers: not published |
| Annual revenue | Buyers: $60K; sellers: not published |
| Bank account / integrations | Accounting sync or manual invoices; U.S. buyers only |
| Credit check | Buyers checked by Resolve; no effect on their credit score |
| Collateral / guarantee | UCC-1 on sold invoices; buyers with $1M or less in sales or 12 months or less in business sign a personal guarantee |
Pros and cons
Resolve's best feature is non-recourse cash in 1 to 2 business days; its weakest is a 3.5% fee.
Pros
- A buyer default on an approved invoice is Resolve's loss
- Credit checks, invoicing and collections included
- Fee drops with a later payout date and is locked per invoice
- No interest for buyers who pay on time
Cons
- About 3.5% per Net 30 invoice; 6% for Net 60 paid on day one
- Net 90 and same-day payout fees are quote-only
- Advance can start at 50% for weaker buyers
- Small buyers must sign a personal guarantee
Resolve vs. Slope vs. Credit Key
Resolve charges sellers about 3.5% on Net 30, versus a reported 1.60% starting rate at Slope and an unpublished fee at Credit Key.
| Resolve | Slope | Credit Key | |
|---|---|---|---|
| Max buyer credit | Set per buyer; instant up to $25,000 | Typical orders $500 to $100K+ (Billed) | $50,000 instant; up to $1M on request |
| Seller pricing | 3.5% Net 30; 6% Net 60 paid day one | From 1.60% Net 30 (Billed) | Not published |
| Buyer pricing | No interest if on time | Not published | 0% for 30 days, then from 1% a month |
| Buyer min credit | Owner 620 | Not published | 600 |
| Buyer min revenue | $60K | Not published | $40,000 |
| Buyer terms | Net 15 to Net 90 | Net 30 (Billed) | Net 30/60/90; monthly up to 12 to 24 months (site conflict) |
| Seller risk | Non-recourse on approved invoices | May be shared on large orders (Billed) | Credit Key says it takes 100% |
Slope figures are third-party (Billed, May 2026); Credit Key figures are from its own site, checked 2026-10-26.
Choose Resolve for hands-off collections, Slope for price, Credit Key for buyer installments past 90 days.
Resolve alternatives on Lender List
The closest Resolve alternatives are Slope for net terms and FundThrough or Riviera Finance for invoices.
- Slope — B2B net terms plus seller credit lines
- FundThrough — invoice funding on your own terms
- Riviera Finance — non-recourse factoring
- Browse all B2B net terms & BNPL providers on Lender List
Frequently asked questions about Resolve
Resolve is a legitimate B2B net terms provider operating since 2019.
Is Resolve Pay Legit? Yes. Resolve Corp. spun out of Affirm in 2019, raised $85 million in 2021, reports 15,000+ business users, is SOC 2 Type II attested and announced a Global Payments partnership in October 2026. We found no BBB or Trustpilot profile for it; G2 shows 5.0/5 from 17 reviews.
What Do Resolve Pay Reviews Say? Mostly positive: Resolve holds 5/5 on Capterra from 14 reviews and 5.0/5 on G2. Users credit fast buyer approvals, helpful support and automatic reminders. Complaints center on missing integrations, thin reporting and late fees that are hard to untangle when a payment goes astray.
How Does Resolve Financing Work? Resolve buys your approved B2B invoice and pays you 50% to 100% of it, less a fee of about 3.5% on Net 30, within 1 to 2 business days. Your buyer pays Resolve on the due date and you get the remainder.
Is Resolve a Loan or B2B BNPL? It is not a loan: Resolve purchases your receivables, so you take on no debt. For buyers it works like B2B buy now, pay later, with Net 15 to Net 90 terms and no interest when they pay on time. Resolve's UCC-1 covers only the invoices it buys.
What Happens If My Customer Doesn't Pay? You keep the advance on an approved, qualifying invoice; Resolve absorbs the loss, pursues collections and passes on any net recovery. The exception is a disputed, past-due or undelivered invoice, where Resolve can take the advance back from you.
Can I Pay With Resolve on Amazon Business? Yes. Approved buyers get a Resolve virtual card for Amazon Business with 30 days to pay from when the invoice arrives. Decisions usually take minutes and at most one business day. Smaller firms may need a soft credit pull and a personal guarantee.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: U.S. manufacturers, distributors and wholesalers that want to offer business buyers Net 30 to Net 90 terms without carrying the credit risk or waiting to be paid.
Not for: Sellers to consumers, sellers whose buyers are under six months old or below $60K in sales, or anyone who needs a general cash loan. Resolve funds invoices only.
Lender List verdict: Resolve runs your net terms program: buyer credit checks, advances of up to 90% (100% on online orders) and collections. The cost is real: 3.5% on a Net 30 invoice, or 6% to be paid on day one of Net 60, is roughly 39% to 44% a year on the cash you get early.
Resolve at a glance
Resolve (Resolve Pay) buys B2B invoices for a seller fee of about 3.5% to 6% per invoice and gives buyers Net 15 to Net 90 terms.
| Resolve | |
|---|---|
| Lender type | Non-recourse B2B net terms provider; buys invoices (not a loan) |
| Founded | 2019 (spun out of Affirm) |
| HQ | San Francisco, CA |
| Parent/owner | Resolve Corp., venture-backed |
| Products | Net terms with Advance Pay, buyer credit checks, AR and collections |
| Amounts | Buyer limits set per customer; instant checkout approvals up to $25,000 |
| Cost (headline) | 3.5% on Net 30; 6% for Net 60 paid on day one; no buyer interest if on time |
| Term | Net 15 to Net 90, plus custom terms |
| Funding speed | 1 to 2 business days; same-day optional |
| Status | Active (2026-10-26) |
What is Resolve?
Resolve is a San Francisco company, founded in 2019 as an Affirm spinout, that lets B2B sellers extend trade credit while it handles underwriting, invoicing and collections. It raised $60 million in 2021, then $25 million led by Insight Partners, and buys the receivables itself rather than through a partner bank. Resolve says 15,000+ businesses use it; in October 2026 it added pay-later terms to Global Payments' PayFabric.
How Resolve net terms work
Resolve pays the seller up front, and the buyer pays Resolve on the due date.
- You add a customer; Resolve sets its limit and advance rate (50% to 90% to start).
- You send the invoice through Resolve; the goods or service must be delivered within 14 days of that date.
- Resolve advances its share, minus its fee, in 1 to 2 business days.
- The buyer pays Resolve by ACH, card, wire or check through a portal carrying your name.
- Once Resolve recovers its advance, it forwards the rest to you.
- Risk: On approved, qualifying invoices you keep the advance if the buyer never pays.
- Exceptions: Disputed, past-due, pledged or late-delivered invoices can have the advance reclaimed.
- Lien: A UCC-1 covers only the invoices you sell to Resolve.
What your buyers get with Resolve
Resolve gives approved business buyers Net 15 to Net 90 terms with no interest if they pay on time. Checkout orders up to $25,000 can be approved instantly.
- Late fees: 3.5% of the balance plus $29 at 30, 60 and 90 days past due.
- Amazon Business: buyers can pay with a Resolve virtual card on 30-day terms.
Resolve fees: what sellers and buyers pay
Resolve charges sellers 3.5% of the advanced amount on a Net 30 invoice, and 6% to have Net 60 paid on day one. The rate locks when the invoice goes out and falls with a later payout date. Resolve has also quoted 2.61% on Net 30 at a 90% advance, and Billed reports 3.15%; plans are custom, and Net 90 and same-day payout pricing are quoted on request.
Worked example: a $10,000 order on Net 30 at a 100% advance and 3.5%. Resolve keeps $350, you receive $9,650 within two business days, and your buyer pays $10,000 on day 30. As financing, that is about 44% annualized, assuming funds on day one. At a 90% advance you get $8,685 now and $1,000 when the buyer pays. Net 60 paid on day one costs $600 (about 39% annualized). The fee also buys default cover and collections, so it is not pure interest.
Resolve requirements
Resolve sets no published seller minimums; buyers need $60K in sales, six months in business and a 620 owner score.
| Requirement | Resolve minimum |
|---|---|
| Personal credit score | Buyers: owner 620+; sellers: not published |
| Time in business | Buyers: 6 months; sellers: not published |
| Annual revenue | Buyers: $60K; sellers: not published |
| Bank account / integrations | Accounting sync or manual invoices; U.S. buyers only |
| Credit check | Buyers checked by Resolve; no effect on their credit score |
| Collateral / guarantee | UCC-1 on sold invoices; buyers with $1M or less in sales or 12 months or less in business sign a personal guarantee |
Pros and cons
Resolve's best feature is non-recourse cash in 1 to 2 business days; its weakest is a 3.5% fee.
Pros
- A buyer default on an approved invoice is Resolve's loss
- Credit checks, invoicing and collections included
- Fee drops with a later payout date and is locked per invoice
- No interest for buyers who pay on time
Cons
- About 3.5% per Net 30 invoice; 6% for Net 60 paid on day one
- Net 90 and same-day payout fees are quote-only
- Advance can start at 50% for weaker buyers
- Small buyers must sign a personal guarantee
Resolve vs. Slope vs. Credit Key
Resolve charges sellers about 3.5% on Net 30, versus a reported 1.60% starting rate at Slope and an unpublished fee at Credit Key.
| Resolve | Slope | Credit Key | |
|---|---|---|---|
| Max buyer credit | Set per buyer; instant up to $25,000 | Typical orders $500 to $100K+ (Billed) | $50,000 instant; up to $1M on request |
| Seller pricing | 3.5% Net 30; 6% Net 60 paid day one | From 1.60% Net 30 (Billed) | Not published |
| Buyer pricing | No interest if on time | Not published | 0% for 30 days, then from 1% a month |
| Buyer min credit | Owner 620 | Not published | 600 |
| Buyer min revenue | $60K | Not published | $40,000 |
| Buyer terms | Net 15 to Net 90 | Net 30 (Billed) | Net 30/60/90; monthly up to 12 to 24 months (site conflict) |
| Seller risk | Non-recourse on approved invoices | May be shared on large orders (Billed) | Credit Key says it takes 100% |
Slope figures are third-party (Billed, May 2026); Credit Key figures are from its own site, checked 2026-10-26.
Choose Resolve for hands-off collections, Slope for price, Credit Key for buyer installments past 90 days.
Resolve alternatives on Lender List
The closest Resolve alternatives are Slope for net terms and FundThrough or Riviera Finance for invoices.
- Slope — B2B net terms plus seller credit lines
- FundThrough — invoice funding on your own terms
- Riviera Finance — non-recourse factoring
- Browse all B2B net terms & BNPL providers on Lender List
Frequently asked questions about Resolve
Resolve is a legitimate B2B net terms provider operating since 2019.
Is Resolve Pay Legit? Yes. Resolve Corp. spun out of Affirm in 2019, raised $85 million in 2021, reports 15,000+ business users, is SOC 2 Type II attested and announced a Global Payments partnership in October 2026. We found no BBB or Trustpilot profile for it; G2 shows 5.0/5 from 17 reviews.
What Do Resolve Pay Reviews Say? Mostly positive: Resolve holds 5/5 on Capterra from 14 reviews and 5.0/5 on G2. Users credit fast buyer approvals, helpful support and automatic reminders. Complaints center on missing integrations, thin reporting and late fees that are hard to untangle when a payment goes astray.
How Does Resolve Financing Work? Resolve buys your approved B2B invoice and pays you 50% to 100% of it, less a fee of about 3.5% on Net 30, within 1 to 2 business days. Your buyer pays Resolve on the due date and you get the remainder.
Is Resolve a Loan or B2B BNPL? It is not a loan: Resolve purchases your receivables, so you take on no debt. For buyers it works like B2B buy now, pay later, with Net 15 to Net 90 terms and no interest when they pay on time. Resolve's UCC-1 covers only the invoices it buys.
What Happens If My Customer Doesn't Pay? You keep the advance on an approved, qualifying invoice; Resolve absorbs the loss, pursues collections and passes on any net recovery. The exception is a disputed, past-due or undelivered invoice, where Resolve can take the advance back from you.
Can I Pay With Resolve on Amazon Business? Yes. Approved buyers get a Resolve virtual card for Amazon Business with 30 days to pay from when the invoice arrives. Decisions usually take minutes and at most one business day. Smaller firms may need a soft credit pull and a personal guarantee.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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